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Old 27.01.2021, 21:47
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Can pension purchase for early retirement be tax deductible?

Hi All,

I would like to buy pension gap for early retirement, e.g., 58. Someone told me that not each Canton accept tax deductible for this purchase like normal gap buy-in.
If anyone could share some experience in such topic?

Thanks a lot!
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Old 27.01.2021, 23:54
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Re: Can pension purchase for early retirement be tax deductible?

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I would like to buy pension gap for early retirement, e.g., 58. Someone told me that not each Canton accept tax deductible for this purchase like normal gap buy-in.
If anyone could share some experience in such topic?
I do not think it is different from a "normal" buy in. In the end it is money in pillar 2.

As far as I know there is only restrictions for newcomers which have been less than 5 years in the country.

Also after a buy in the money is "locked" for 3 years (or you would have to repay the saved tax). This does not apply if you get the monthly pension.
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Old 28.01.2021, 06:29
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Re: Can pension purchase for early retirement be tax deductible?

It depends when you do it. If you start buying in at 55 to retire at 58 then indeed the tax authorities will not be happy.

There is a 3 years limit to getting the buy back money out again.
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